I have an 80 650 with over 30k, never been worked on other than routine service, and has way more power than any of the 550's in my garage, I've been pleased with it. I also was thinking of a 650 in a 550 for some time, and decided to just do it a few months ago when an 81 650 became available to me.
I make it a habit to purchase entire bikes instead of just motors but ,there's a catch, the 81'650 is so highly advanced compared to the 550 that you may find yourself using front and rear suspention along with the comstock wheels because of the dual front brakes....then the electric...and pretty soon there is very little 550 left. But had I only picked up just the motor most of the 550 would be 550. Just so you know, the upgrades on the 650 make it really,really hard to pass up when it comes to transplanting parts.